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What are my rights if I do hire a credit repair agency?

A credit repair agency cannot ask you to pay them before they start work. If you paid in advance, you can ask for your money back. The agency must give you your money back within 15 days.

A credit repair agency cannot charge any fee unless their services result in a real improvement to your credit report. And they cannot promise to improve your credit report until they have read it.

If you hire a credit repair agency, they must give you a copy of your written agreement. The agreement must contain the agency’s name, address, and telephone number. It must also have:

  • the agreement’s date
  • a complete list of the services they will provide
  • the date they will complete their services
  • how much they will charge you if they improve your credit report
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